Report: #595093

Complaint Review: US Auto Protection

  • Submitted: Tue, April 20, 2010
  • Updated: Sun, September 30, 2012
  • Reported By: madconsumer — n/a United States of America
  • US Auto Protection

    Internet, Missouri
    United States of America

Show customers why they should trust your business over your competitors...

US Auto Protection is a Total Scam!!!! Stay as far away from them as you can!!!!!  They sent me a letter in the mail decieving me into thinking they were my dealer and that my factory warranty was out!! and if I wanted bumper to bumper extention I would have to get it now! or I can never get it again...

That was a lie! I  actually STILL had a least a year left.. when I said I would call back they told me I couldnt or I would lose the coverage... They just kept dropping the price until I signed up.. (which should have been a warning sign!!) Even worse when I got the paperwork this was hardly bumper to bumper very limited .. powertrain which i found out Im covered with that up til 100000 miles!!! they charged me 2000 for something I already have!!!!  Im fighting NOW! for a refund... they are making me jump through hoops and are talking about a cancellation fee!!!   two words!!!  DONT BUY!!!!


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This report was posted on Ripoff Report on 04/20/2010 08:54 PM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 General Comment

Questioning U S Auto Protection

AUTHOR: Anon - ()

We purchased a bumper to bumper extended warranty plan w/U S Auto Protection Apr 2011. Just wondered if u would tell us if u know if we are covered. We were contacted yesterday from another extended warranty comp & had us look up ratings on BBB. U S Protection was rated an F. Their comp (American Auto Shield) was rated an A+ w/BBB. Will u please explain the reasons why U S Auto Protection wa? rated an F.

Thot u might be able to tell me being's u worked there. Was it a minor issue or something more serious? This comp that contacted us said they were a scam & we would not be able to get any work done thru U S Protection because they would not pay & our money was wasted. I understand he was from another comp & possibly trying to pirate us out of this comp. But whatever it was I felt I needed an honest answer to this question.

I'd hate to think we paid all that $$$ & don't have any extended coverage. Would REALLY appreciate your reply. Thank You

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#2 REBUTTAL Owner of company

Sorry, I believe the consumer.

AUTHOR: Kenny12554 - (United States of America)

After reading the rebuttal from the company I am forced to say..."sorry but I don't believe you."  I too have received these letters from your company stating that my warranty was about to expire and that if I didn't act immediately I would never be able to get the coverage again. These letters are "purposely" designed to mislead the unsuspecting consumer into believing they are dealing with the auto company.  So please do not attempt to tell me or anyone else that your "intentions" are honorable,...they are not!  Your company is counting on the fact that the poor consumer will receive your bogus letter which (again) is PURPOSELY formatted and designed to be deceiving.  You are hoping they will "be fooled" into believing it is credible and then give up their money to you.  In return, they are scammed 100% as your company has absolutely NO INTENTIONS WHATSOEVER of honoring any claim they might file with you.

You know this is true!!  
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#3 REBUTTAL Owner of company

1969 AMX Fully Functional car for basket case car

AUTHOR: Specialty Cars of Sarasota - (United States of America)

Dear Don,

We am so sorry that you are disappointed with the AMX. We tried to be honest about the car, even had a video describing the car. As with any restored car there will always be some filler in the prone areas unless it is being sold as a show car. We looked the car over and in our opinion, it was a very moderate amount compared to many cars from this era. Why did you refuse our invitation to come and see the car before buying it? After all you live less than an hour away. Our sales manager asked you to come and visit but you said you were fine with the video description.

After reading your complaint, it seems you expected the car to be a show car and we clearly stated that the car is a very presentable driver, not a show car. To set the record straight, we never laugh about sensative issues, especially from an important customer. Our sales manager merely informed you that we already had your car peresold before it showed up. We don't keep basket case cars as we don't have the facility to do what your trade needs to make it marketable. It is way too far from being a functional vehicle. We had to push it off the truck as it did not start. While pushing it off the truck, the header bent becauase the exhaust was so far out of whack. When we finally jammed the loose starter power wire to the battery and jumped the dead battery, we finally got it running enough to make sure there was no lower end issues in the motor. When we tried to drive your trade in, it broke down in the street about 100 feet from our shop. To push the car back to the warehouse we had to unhook the front suspension from the steering mechanism as the left front wheel was stuck at the hard left turn positition. Luckily, our customer that we called about your car before we traded owns a restoration shop and plans on ripping out the motor out and completely replacing the entire suspension. Your trades top has to be completely replaced because it was installed so incorrectly that we could not get close to clamping down the leading edge. We figured we were helping you a lot by selling off the trade so we could use the funds to sell you the AMX. You can't even drive it. Your trade sold on ebay in the similair condition about a year ago for $8500 and we gave you $20k for it! You should have come down to see the car. Our manager worked on that deal for three straight days, we paid for shipping and gave you an excellent running and nice enough car to show at any cruise night. The olds needs $15k to make it a car and it has a tired old engine from the wrong year. We are shocked to see you posting this.

 Please for your own sake, invest the time to look your next purchase over yourself or send an inspector to see the car you are buying. The car we sold you is very nice. If you would like us to resell it to another buyer for you we will be happy to offer the service. You should be able to cash out for close to what you paid. Please let us know by calling instead of posting a complaint on a site like this. It is no way resolve a problem. call us at 941-928-2339 so we can assist you reslove the issue as quickly as possible.
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#4 Consumer Comment

Deception and Corporate Responsibility

AUTHOR: Neutral in DC - (United States of America)

Never purchase from a company that has a need to be deceptive or hides identifying information.  Official looking mail is a big tip off. 

Ken, if U-Haul staff damaged your car, U-Haul is responsible.  Forget the insurance and contact U-Haul corporate.
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#5 REBUTTAL Owner of company

Auto Protection

AUTHOR: Kenny12554 - (United States of America)

Ok friend, so you are an "agent" of this Vehicle America...right?  I read your response to your customer's statement of how and why he feels he was cheated and misrepresented and I must say that I find YOUR comments "spot on" from what I would expect from someone in your business.   

1.) You totally disregard and disrespect your customer's position as to his feelings of being "ripped off."  All the while you (or your company) has his money in YOUR POCKET. So much for customer appreciation.  

2.) I personally believe EVERY WORD the gentleman said.  I too have received this "official looking" letter and notice regarding my Mercedes CLK-350.  You claim that you tell your callers UP FRONT that you are not associated with Mercedes Benz...what a "crock!" All the while these letters that you send are PURPOSELY FORMATTED and designed to give the specfic "illusion" that you ARE associated with Mercedes...and you know it!  This is exactly what these letters are designed for! To "fool" the unsuspecting customer.   You WANT the recipient to BELIEVE he or she is being contated by Mercedes.  And please...don't insult me by denying it!

Your company reminds of U-Haul's insurance...totally worthless!  I recently rented an auto transport from U-Haul to tow my car in for service.  When they asked if I wanted to take the "insurance" for $18.00 ...I asked "what does it cover?"  "Oh, Ken it covers EVERYTHING involved with towing your car.  It provides up to $5,000 coverage in damages to your car should something happen."

So I took the insurance,...and guess what?  My car was damaged while being loaded on to the transport by THEIR personnel.  I thought, "oh well good thing I took the insurance."  What do you think happened when I notifed them of the damage?

They said:  "Oh I'm sorry Ken, but the U-Haul insurance DOES NOT COVER "loading" or "unloading" your vehicle.  LOL!! 

Do you think that little "clerk" at the point of sale told me that?  Of course not!

Bottom line... I would not buy ANYTHING from your company after seeing the way you disrespected your customer!
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#6 UPDATE EX-employee responds

wanting to know the truth about this company?

AUTHOR: service contract expert - (United States of America)

First let me say that an extended service contract is a sound investment and a wise decision. I am an L-1 ASE certified master tech. and after 22 years as a mechanic injuries prevented me from being able to repair vehicles any longer. After some down time I realized cars was all I know. Part of my job was to explain cost and repairs to customers. This was always my least favorite part of the job. Long story short, after seeing peoples faces after hearing how much they would have to spend to fix their vehicle so many times in my carrier I knew I could continue to use my knowledge to help people, stay in the automotive industry and still make a living.

So I became an extended service contract expert. I worked for several different companies and did very well. Unfortionatly it has been my experiance that the majority of these companies are both crooked and have little to no moral value. Being a christian, once this was reveiled to me or made knowledgeable through their actions I would part ways with that company. Living in Missouri I had several to chose from. After working at several different companies I began to make it clear in the interview process that just because I had the ability and knowledge to convince anyone to buy these contracts that didn't mean that I would. I refused to decieve anyone or miss lead them in any way, contending that the facts were enough and if presented properly these policies would sell themselves.

My journey in this industry at one point landed me at US Auto Protection. After a short period of time and setting sales records for the team I was on, instead of being pulled in the main office for praise I was called in to be chastised for the additional sales I could have made. While playing recorded phone calls back to me stopping them periodicaly to show me what I should have or could have said to close that sale. As this was going on, I remebered the call in detail. At that moment I stopped the manager to 1 let him know this was an 86 year old woman who's car was 5 years old and only had 9,000 miles on it and by her own admission she no longer drives do to medical reasons and 2 that I was very clear in my interveiw with him were I stood in this situation. His reply was "this lady was under the impression that she had to have this and would have bought the policy" and "we spend a ton of money for our mailers to create this very impression."

After I again plead not only my case but hers, I was given a written warning and told that all my calls were going to be reveiwed and was on a probation. Needless to say my job search began. During my remaining time with US Auto Protection I started gathering all the information I could about this company and their practices. I started collecting sales records and even calling some of them. Through this I found a mass of deception with the most shocking of them being that this company was the former company known as US Fedelis but was now owned by mortgage "guru" Ray Vinson. Who's reputation is easily discovered through google and the preceadings of his divorce. My investigating was discovered and again was called in the office and more calls were played and asked "why didn't you make this sale" again using moral value as my defense, I was let go for a bad attittude and mis-appropriation of company leads and policies.

I post this today for any of you who may need help or need someone to be on your side in a legall situation. Also in reguards to extended service contracts, in my professional opinion, again this is an extremely wise decission. I say that even though I no longer sell them. Just be informed before you decide who to get one from. If the company is not willing to let you do "homework" before you make a decission then they are not for you.

Please feel free to contact me in this manner.
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#7 Consumer Comment

The truth in in there somewhere

AUTHOR: Neutral in DC - (United States of America)

Some emotional perspectives, and a vast lack of truthfulness all around. 

First off, scams do not go away quickly.  These guys can live on forever, changing their names and moving around (unfortunately, often in Florida).  I just received a similar solicitation and have deep objections.

If the product is legitimate, why does it need to be made up to look like an official and possibly government notice?  The Postal Service warning above the address serve no purpose but to deceive.  The law cited applies to ALL mail.  There is nothing special about this piece.  The facts presented are vague.  Your warranty is expiring or has expired.  Based on the age of the vehicle, this will ALWAYS be true. 

This is a fishing expedition.  Moreover, check out the FTC web site (  They are offering a service contract, NOT a warranty extension.  

Service contracts are great.  Offer me one truthfully and I will likely purchase.  Offer deceit and I am running away.

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#8 Consumer Comment

Don't argue with me, if you want my darn money!!!

AUTHOR: 556car15 - (United States of America)


I got the same letter from these clowns. It sounded like a good idea so I called to check into it. I told the person on the phone I was definitely interested but that I was on my cell phone and I absolutely did not give my credit card information over an insecure communication line. The guy told me I could do a check by phone, again I told him that if I did purchase his program, I'd be doing it with a Mastercard and from a landline. Again the representative argued with me, (apparently he is an expert in cell phone and scanner technology) that the credit card information would be safe. Again I told him I'd have to call back from a landline, he began interupting and I hung up. He tried twice to call back and I ignored his calls.

 After this I went to their website, most of the links on it, including the "Contact Us", DO NOT WORK!!!

 There are numerous companies in the USA that offer the same services, I do intend on signing a contract with on of them, but it will DEFINITELY not be US Auto Protection.
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#9 REBUTTAL Owner of company

response to informed comsumer

AUTHOR: consumer phil - (United States of America)

I found the enraged informed consumer's rebuttal to contain some errors.  The V.P.A. (Vehicle Protection Association) is not a Government program. It is an auto warranty trade association.  The assertion that if USAUTOPROTECTION were a scam it would not last a day.  Remember US Fidelis, the NASCAR sponsor, whose principals' property was recently auctioned after the scam exploded and the company failed.  It took several years for it to fail.  It is interesting that US Fidelis is in the general area of the Chesterfield home of  USAUTOPROTECTION.

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#10 General Comment

Re: the rebuttal

AUTHOR: Concerned - (United States of America)

To Informed Consumer -

"So, how is that deceiving?" you asked in your rebuttal. The warning letter I received from US Auto Protection is a textbook example of scare tactics and misrepresentation.

When is the last time you saw a company intentionally omit using its logo in an advertisement? Notice the effort to emphasize "MOTOR VEHICLE SERVICES" and minimize the actual company's name.  This is not a branded communication - it is designed to look like an official notice. It emphasizes this with the penalties quoted on the cover about mail delivery - totally unwarranted, and pure scare tactics.

And has anyone else noticed the phrase "All policies come with 24 hour road assistance, towing and car rental" was put into quotations in the warning letter? I find that concerning. A legitimate statement would not have quotes around it.

I assure you Informed Consumer that whatever rage you have experienced is equaled by my repugnance in this company's marketing strategies.
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#11 Consumer Suggestion

This report is simply not true.

AUTHOR: Informed Consumer - (United States of America)

After reading through this customers report, I found myself absolutely enraged by his comments.

I will start at the top and work my way down.

1. The letters that US Auto Protection sends to consumers clearly states that the Factory Warranty on their vehicle MAY have, or, is about to expire.

If you are anything like me, I found this information to be extremely useful. Why wouldn't you want to know that your warranty is about to expire? Also, when you call to request information from US Auto Protection, they answer the phone saying thank you for calling US Auto Protection.
So, how is that deceiving?

2. He states that US Auto Protection told him that if he wanted a bumper to bumper extension, that he would have to get it now, or he could never get it again.

False. They tell you directly we cannot guarantee THIS same coverage program after this call. The coverage is based on the amount of miles your vehicle has. So, if you don't want to extend coverage on your vehicle that day, but you call back a thousand miles later and want the same program that they told you was available for your car, now it MAY not be available, because of the additional miles that you drove. Wouldn't you want to know that?
They didn't ever tell me that I had to get it right then and there, they just informed me that the policy they were explaining to me MAY not be available with any additional mileage.

3. His next complaint was when he received his paper work. He states, and I quote, "Even worse when I got the paperwork this was hardly bumper to bumper very limited."

THEY GIVE YOU 30 DAYS TO REVIEW THE PAPERWORK. If you don't like the policy, you can call back at any time within that 30 days and get a full refund.

I want people who read his report to be aware that it is only his opinion of the company.
They are not a scam. There is a little government program called the V.P.A. Vehicle Protection Association. They require all companys such as US Auto Protection, to record their phone calls.
Why? Because they listen to them, and monitor them, and make sure they are staying in compliance with all laws. They wouldn't last a day if they were a scam.
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